Itau Unibanco Banco Holding SA (ITUB)vsWestern Alliance Bancorporation (WAL)
ITUB
Itau Unibanco Banco Holding SA
$8.21
+1.99%
FINANCIAL SERVICES · Cap: $86.41B
WAL
Western Alliance Bancorporation
$70.74
+1.51%
FINANCIAL SERVICES · Cap: $7.67B
Smart Verdict
WallStSmart Research — data-driven comparison
Itau Unibanco Banco Holding SA generates 4087% more annual revenue ($138.95B vs $3.32B). ITUB leads profitability with a 32.3% profit margin vs 29.2%. ITUB appears more attractively valued with a PEG of 1.30. WAL earns a higher WallStSmart Score of 79/100 (B+).
ITUB
Strong Buy76
out of 100
Grade: B+
WAL
Strong Buy79
out of 100
Grade: B+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-10.1%
Fair Value
$8.69
Current Price
$8.21
$0.48 premium
Margin of Safety
+76.8%
Fair Value
$408.56
Current Price
$70.74
$337.82 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Keeps 32 of every $100 in revenue as profit
Strong operational efficiency at 37.3%
Generating 45.0B in free cash flow
Large-cap with strong market position
Every $100 of equity generates 21 in profit
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 41.1%
Keeps 29 of every $100 in revenue as profit
16.6% revenue growth
Earnings expanding 32.8% YoY
Areas to Watch
2.8% earnings growth
Negative free cash flow — burning cash
Comparative Analysis Report
WallStSmart ResearchBull Case : ITUB
The strongest argument for ITUB centers on P/E Ratio, Profit Margin, Operating Margin. Profitability is solid with margins at 32.3% and operating margin at 37.3%. Revenue growth of 11.0% demonstrates continued momentum.
Bull Case : WAL
The strongest argument for WAL centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 29.2% and operating margin at 41.1%. Revenue growth of 16.6% demonstrates continued momentum.
Bear Case : ITUB
The primary concerns for ITUB are EPS Growth.
Bear Case : WAL
The primary concerns for WAL are Free Cash Flow.
Key Dynamics to Monitor
ITUB profiles as a mature stock while WAL is a growth play — different risk/reward profiles.
WAL carries more volatility with a beta of 1.34 — expect wider price swings.
WAL is growing revenue faster at 16.6% — sustainability is the question.
ITUB generates stronger free cash flow (45.0B), providing more financial flexibility.
Bottom Line
WAL scores higher overall (79/100 vs 76/100), backed by strong 29.2% margins and 16.6% revenue growth. Both earn "Strong Buy" and "Strong Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Itau Unibanco Banco Holding SA
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Ita Unibanco Holding SA offers a range of financial products and services in Brazil and internationally. The company is headquartered in So Paulo, Brazil.
Western Alliance Bancorporation
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Western Alliance Bancorporation is the banking holding company for Western Alliance Bank offering various banking products and related services primarily in Arizona, California and Nevada. The company is headquartered in Phoenix, Arizona.
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